Pradhan Mantri Awas Yojana (PMAY) – Housing for all by 2022

Pradhan Mantri Awas Yojana
January 21, 2016 | Last Modified: January 21, 2017 at 4:27 pm | Category: Central Government, Pradhan Mantri Yojana

Launched on 25 June 2015, Pradhan Mantri Awas Yojana aims to cater the ever increasing demands of housing in urban areas. Under the scheme, also known as Housing for All by 2022 scheme, the Government will undertake construction of 20 million (2 Crore) homes on the urban areas of the country. Out of the 20 million homes, about 18 million will be developed to cater the needs of slum households which is increasing at a decadal growth rate of 34%. The rest 2 million homes will be provided to non-slum urban poor.

Quick Links: PMAY Introduction | Benefit Components | How to Apply | List of Cities | PMAY Home Loan | PMAY Guidelines

According to current estimates, the urban population of the country is about 414 million which is set to see a phenomenal growth in the coming years. By the year 2050, it is estimated to reach up to 814 million people, an increase of about 400 million from current levels. Providing affordable housing, sanitation, infrastructure, and a safe environment are the biggest challenges for the country’s well-wishers or we can say the Government. At present, the housing development in the cities are being led by the private real estate developers who decides the areas and the cost of the housing for the end consumers. This is the reason why the real estate prices have skyrocketed over the past couple of decades leaving the common man with only dreams of owning a house.

Pradhan Mantri Awas Yojana – Urban (PMAY-U)

Under the scheme, a central grant of Rs. 1 Lakh to 2.3 Lakh will be provided to the urban poor beneficiaries of the scheme. The grant will come as part of up to 4% interest rate subsidy scheme for the lower income groups. This means that the LIG applicants who wanted to buy a home under the scheme may apply for a housing loan with interest subsidy of up to 4% percent for a tenure or term of up to 15 years.

The total benefit received by this loan subsidy will add up to INR 1 to 2.3 lakh to each applicant. The subsidy will be a major relief for the home buyers as the currently housing loan interest rates are estimated at about 8.5 percent. The ‘Pradhan Mantri Awas Yojana (PMAY)’ scheme will replace all previous government housing schemes such as the Rajiv Awas Yojana.

The mission of providing 2 crore homes to urban poor is estimated to cost the central government about INR 3 lakh crore over the next 7 years, according to preliminary estimates. According to the news reports, the government took about one year to complete the operational guidelines of the scheme after rounds of negotiations with states and Union Territories.

PMAY is not the only scheme which will contribute to the development of housing in urban areas, there are other incentives and subsidies under which a grant of INR 1 lakh per beneficiary will be provided to the state governments for the development of housing projects in slum areas.

The government will also launch affordable rental housing scheme at a later stage. An INR 6,000 crore initiative, is meant to combat the proliferation of slums in urban regions. This was initially to be a part of the PMAY scheme but dropped for unknown reasons.

The benefit components

Over the years 2015-20122, the Urban Local Bodies (ULBs) and other implementing agencies through States/UTs will be provide central assistance for:

  • In-situ Rehabilitation of existing slum dwellers using land as a resource through private participation.
  • Credit Linked Subsidy.
  • Affordable Housing in Partnership.
  • Subsidy for beneficiary-led individual house construction/enhancement.

Out of the 4 components, Credit linked subsidy component will be implemented as a Central Sector Scheme while other three components will be implemented as Centrally Sponsored Scheme (CSS).

The entire urban area consisting of 4041 statutory towns will be covered under the scheme with initial focus on 500 Class I cities in three phases. Credit linked subsidy component of the scheme would be implemented across the country in all statutory towns right from the beginning.

  1. Phase 1: Under the phase one, housing units will be created in the selected 100 cities in the period from April 2015 to March 2017.
  2. Phase 2: The next phase will cover about 200 cities for housing development between April 2017 and March 2019.
  3. Phase 3: The final phase of Pradhan Mantri Awas Yojana will be implemented in the remaining cities between April 2019 and March 2022.

The government will give flexibility to the state/UT governments to select the best component out of the four to accomplish the mission on time and meet the housing demands. The formulation and approvals of the housing projects under PMAY will be done by the state/UT governments itself in order to implement the scheme faster.

A technology sub-mission has also been incorporated with the PMAY which will work on creating building material, green technologies for modern and innovative housing structures. The sub-mission will also help the states/UTs in deploying the disaster resistant and environmental friendly technologies apart from facilitating the suitable layout designs and building plans.

How to Apply for Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana applications are being invited through online modes through the official website at pmaymis.gov.in and through the common service centers. The interested candidates can apply online for Pradhan Mantri Awas Yojana through any of the modes, however their selection as the scheme beneficiary would be made on the basis of SECC-2011 data after due verification of candidate’s data by the Gram Panchayat.

Complete procedure to apply for the PMAY Urban
Through official website: pmaymis.gov.in
Through CSC: Apply online for PMAY-U through CSC
READ IN HINDI: प्रधान मंत्री आवास योजना के लिए ऑनलाइन आवेदन कैसे करें – पूरी जानकारी

An application fee of Rs. 25 is charged when applying through CSC.

List of Cities under PMAY-U

3888 cities across 34 states and union territories have been selected to be covered under the Pradhan Mantri Awas Yojana Urban out of which 666, higher number of cities are Tamil Nadu alone. Uttar Pradesh comes second in the number of cities with 628 which will be covered under PMAY. View the complete list of cities under PMAY which will be covered for affordable housing benefits.

Pradhan Mantri Awas Yojana Loan 2017

The interest subsidy for Pradhan Mantri Awas Yojana has been revised and the government is now providing a subsidy of 4% on a loan of up to Rs. 9 Lakh and 3% on a loan of up to Rs. 12 Lakh taken for a tenure of maximum 15 years.

The complete details of the PMAY home loan scheme 2017, subsidy and interest rates is available at the link below.
Pradhan Mantri Awas Yojana Home Loan Interest Rates/Subsidy 2017.

Pradhan Mantri Awas Yojana Guidelines

The detailed guidelines of PMAY-U can be downloaded from the official website of PM Awas Yojana from the link below

PMAY-U (Housing for All) Guidelines

For more details about the scheme, please visit the official website at pmaymis.gov.in.

95 comments on “Pradhan Mantri Awas Yojana (PMAY) – Housing for all by 2022

  1. AMIT KUMAR TANEJA says:

    I WANT TO BUY ONE PLEASE HELP ME HOW I CAN GET ONE.

  2. GURCHARAN SINGH says:

    I WANT A PLOT OR HOUSE. PLEASE TELL ME HOW I OBTAIN MY HOUSE IN THIS SCHEME

  3. […] Mantri Awas Yojana in Chhattisgarh is a part of Pradhan Mantri Awas Yojana of central government. The home buyers under the scheme will get financial assistance from both […]

  4. […] Nagpur Municipal Corporation (NMC) is inviting applications for the allotment of affordable subsidized flats under Pradhan Mantri Awas Yojana. […]

  5. […] in June last year, Pradhan Mantri Awas Yojana is aimed at developing 2 Crore homes by the year 2022 in the urban areas of the country. The homes […]

  6. […] bank has launched home loan scheme under the credit linked subsidy component of Pradhan Mantri Awas Yojana. The bank will provide home loans of up to Rs. 6 Lakh to the people belonging to EWS and LIG […]

  7. […] Pradesh Housing and Infrastructure Board. These housing schemes will be implemented under the Pradhan Mantri Awas Yojana. A benefit of 6.5 percent loan subsidy would be given on taking loans by beneficiaries under the […]

  8. […] to realize the dream of the poor, the scheme has been integrated with Pradhan Mantri Awas Yojana to provide more incentives to the beneficiaries. The scheme has many provisions to attract private […]

  9. […] the parent scheme, PM Awas Yojana – Urban, the government aims to develop 20 million homes by the year 2022. The government so far has […]

  10. […] Pradhan Mantri Awas Yojana: Every villager’s dream of owning a house to be realized by 2022 […]

  11. […] government has selected 2508 cities across 26 states and union territories under Pradhan Mantri Awas Yojana. Under the PM Awas Yojana, the government aims to provide more than 2 Crore homes by the year 2022. […]

  12. […] central government has updated the guidelines of Pradhan Mantri Awas Yojana (Urban) for the “Beneficiary Led Construction” component of the scheme. As per the new […]

  13. […] built, state government will develop 1.20 Lakh homes under the centrally sponsored housing scheme Pradhan Mantri Awas Yojana. About 92 thousand homes will be developed under the Biju Pucca Ghar Yojana which is sponsored by […]

  14. […] central government, under its ambitious Pradhan Mantri Awas Yojana, is all set to transfer about Rs. 1.30 Lakh crore within the next 3 years. About one crore houses […]

  15. ravindra says:

    How to get list of eligible candidate in PMAYG

  16. […] Pradhan Mantri Awas Yojana (PMAY) or Housing for all is an ambitious housing scheme of Narendra Modi Government aimed at providing housing for all by the year 2022. The scheme is being implemented across the nation with the help of state governments and housing development authorities. […]

  17. Manish kumar gupta says:

    Muje bi loon de dena god

  18. Bhuneshwar says:

    Very nice …pradhan mantri yojana

  19. shamim khan says:

    MY HOUSE Muje bi loon de dena

  20. rajat singh says:

    any one tell me last date of pradhan mantri awas yojna

  21. Rachna Unes Lawrence says:

    I m from Mumbai and I have a one kid. I m a single mother n I don’t have any back support please tell me how can I apply

  22. Rachna Unes Lawrence says:

    I m from Mumbai pls tell how can I apply.

  23. […] प्रधानमंत्री आवास योजना […]

  24. Nandini anil gaddam says:

    Hi sir I nandini from ahmednagar. please sir tell me how can I apply in yujana. Need to my home

  25. satyam says:

    how to apply pmay?

  26. rajesh gupta says:

    Hi sir i am rajesh gupta from siwan bihar.my home lon pls sir.

  27. ved parkash says:

    sir i ved parkash sharma from chammb dist.jammu many pepoul wating this seceem pmay but no response to concern deptt.

  28. shivnath raj says:

    Pm jee ko dipawali ka hardik shobhkamaye nname shivnath dixt hardoi

  29. shivnath raj says:

    Sar agar Apple pass mail aya hai to call kkare 8172894846

  30. Nisha kadam says:

    Hi sir aapko dipawali ka hardik shubhkamnaye sir me 17 sal we rent pe hu.muje bhi home loan dijiye plzzzz

  31. rahul kumar sharma says:

    Hi sir happy diwali modi gi aap bahut achha kaam kr rhe ho sir muje bhi aabas yojna se ek gher dila dijiye thanku sir

  32. rahul kumar sharma says:

    Hi sir happy diwali modi gi aap bahut achha kaam kr rhe h

  33. KAPIL says:

    ye yojna to thik hai magar kahan kahan pe Hamko Makan banke milenge Aur Kab, aur kon si site hai jahan jake online application jama kare/ aap ki yojna to kub aati hai magar site koi nahi khulti my dera MP

  34. anil kumar says:

    ye yojana to thik hai magar kahan_2 pe hamko makan banke milenge aur kab

  35. Kishor Kadam says:

    Pls let me know how to apply online or manually (Site, website or address)

  36. ankit kumar says:

    sir muza be nokari da dana force all

  37. K.Mogulaiah says:

    sir have 60yds land in weaker section area so i need a loan pls help me out.

  38. TARUN GARAI says:

    i am tarun garai ,applied for plambing job.

  39. insad ali says:

    Sir mai Abdul purva me rheta hu mai garib hu our hamara ghar chapre ka hai mujhe ghar dilane me madat kijiye dhanyabad plz contect 9953439431

  40. Santkumar pal says:

    Modi ji mai gramin chetra ka rhane wala houn sir mai greeb haun sir mughe ea aawas dedo jai ho jai ho modi ji sir hum log aap ke not badalne ke faisale bahut hi khush hai sir

  41. Santkumar pal says:

    Sir modi ji mai up me disst sitapur block reusa vill bhithana kalan ka rahane wala haun mai bahut greeb hun sir mughe ea awas dedo mo. 9559685902

  42. Santkumar pal says:

    Hamara villegs bahut hi greeb hai sir kya sir hamari ye fariyad aap kepaas phuchegi mera vill . Addres up disst sitapur teh. Biswan Block Reusa Gram bhithana kalan post Dalpatpur mere vill me koi vikas nihi huwa hai hamare yahan ka vidhayak bhi nahi kam kar raha hai aur yahan ka sansad rajesh varma bhi jo BJP parti hai o bhi vot mangne aya tha fir jeet jane ke bad fir yahan nahi aaya sir is ki janch jarur karen bahut hi meharbani hogi sir

  43. Bhupander says:

    PM Sir ji Mujhe GhAR Ki bahot jarurat h Hamare Pas Paisa Bhi Nahi h Or mere Father Majduri Karte h Mere Bhai Behan Bhi h Vo Bhi padai Kararahe h apse Nivedan h ek chota sa Ghar Dilwado Apki Bahot Kirpa Hogi.
    Tnank U So Much Sirji
    add-28 prempuri kanker khera meerut.

  44. dileep kumar says:

    Modi ji mai gramin chetra ka rhane wala houn sir mai greeb haun sir mughe ea aawas dedo dileep kumar s/o ram abhilesh singh vill= chanduli po= somaiya nagar barabanki pin 225123 ph 8127458713,8542853234

  45. narendra says:

    sir mene pod shisha me nokri ke liye aavedn kiya hta or mera merid ke aadhar par chayn bhi ho gha par 2 warsh pure hone ke bad bi joyning lellter nahi nikala aappse mera nivedhan hai ki aap joyning letter nikalne me sayog kare

  46. Arvind Kumar says:

    modi ji

  47. rohit kumar says:

    plese conform me sarkari yojana

  48. Vinit Pandey says:

    Hi Modi ji,
    How can I apply for pradhan mantri awas yojana pmay.
    And what are document.
    Thanks,
    Vinit Pandey

  49. […] to realize the dream of the poor, the scheme has been integrated with Pradhan Mantri Awas Yojana to provide more incentives to the beneficiaries. The scheme has many provisions to attract private […]

  50. vikash kumar says:

    Pm ji mai ek garib parivar se huai mai mere papa our meri ma bas teen log hee rahte hai lekin abhi tak mere ghar nahi bana PAYE hain kripa karke name home lone dilwa dijiye

  51. vikash kumar says:

    Pm ji mera pariwar garib hai hum teen log rahte hai mai mere papa our meri maa kripa karke home dilwa dijiye…..

  52. Mohd mujeeb mohd sharif says:

    I want to home

  53. manish suthar says:

    Plez help

  54. Mantri mohdey modiji pranam mera nam he Rohit prakashrao Deshmukh mera khudka nahi 25 salose kiray se rehte he hum sir pagar bhi kam aati he family ke sath rahta hu hume ghar jarurat sir pzl

  55. Rishi nitesh says:

    Plz sir muje b loan de dijye ki me apna business kar saku thanks

  56. Rajeev says:

    Sir. . I rajeev ranjan want to 3bhk flats in Bhagalpur. Bihar.is it possible for me.I am panchayat Rojgar sevak.in sindhiya block of samastipur district and want to see own future in Bhagalpur. 9102687132 what’s app no.

  57. akshay patel says:

    plese you give 1 home

  58. Ram Wadkar says:

    Sir
    mai eak garib parivar se hai
    Ma. Mera papa and wife bas teen log hai?
    Pls mere hoom ( room) loon dijiye plss sir

    (8976646434)
    Your

    Ram Wadkar

  59. Parveen Modi says:

    Jai Hind,

    I on behalf of a builder/ developer company at Haridwar in Uttrakhand, actually I want to confirm that is there any scheme of PMAY in UK.?

    In fact our organisation is interested to make and provide to ‘Indians Only’ the “SASTA GHAR” at Dehradun and Haridwar area in UK.

    Our company/ organisation is working in this type of Group Housing, Developer and Builders work since last 15 yrs.

    Please let me know the PMAY in Uttrakhand , Basically in Distt. Dehradun and Haridwar.

    Thanks and Regards.

  60. damendra says:

    SENDAR panchyat santosh kumar dewangan

  61. suneel kumar says:

    vikash nagar tindwaei

  62. suneel kumar says:

    vikash nagar tindwaei 9554951080

  63. mahadeo says:

    At.kolghar.distik aurangabad

  64. vathsala says:

    Am also apply for the Pradhan Mantri avas yojana from bangalore, karnataka , comes under general catagory , village panchayat, which form i have to fill please guide me

  65. Please Sir, private kaam kar rahe logo ko ek vetan ayoge ka bhi vetan nahi mil raha hai Please private kaam kar rahe logo ka bhi vetan sunishchit kare hame aap se badi umeed hai.

    Thank you

  66. बाबुलाल सुथार says:

    मकान बनाना चाहते हैं

  67. Deepak Kumar says:

    Sir, mera naam Deepak h mai Rent par rehta hu meri monthly selery 7000 rs h plz sir i am poor man

  68. raja says:

    Sir Mai student hu mere pita ji helper hai
    Mere pita ji ki monthly fees 7000_7500 tak hai
    Itni kam salrey Mai hum chaar Bhai bahan ka gujara muskil se cal pata hai plzzz plzzz plzzz aap hum sabhi ka muskil hal kr de

  69. Abhitej kumar says:

    Sir main Abhitej Kumar mere pita Penter hai lekin jo thoda sa penting karte hai daru pi lete hai ab unki tabiyat thik nhi rahti daru bhi nhi chhodte hai meri maa dutty karti hai Salary-8000 jisme kat ke 7000 milte hai jise rent bhi Dena padta hai Faridabad main 20th year ho gai Rent pe rhte huye apse jo bane plz plz plz help me sir

  70. arjun gavli says:

    ise online kaise bharte hai

  71. arjun gavli says:

    ise online konse side pe bharte hai

  72. amit kumar says:

    Mera naam Amit Kumar hai Mai eke chote ganw se hu aur ek mandir hai dukan keep सामने is liye ham ye aawas yaujana me PATa chala is liye coment bhej raha hu kyu ki Mai bharat ka ek nagrik ho

  73. […] Pradhan Mantri Awas Yojana – Urban (PMAY-U), an ambitious affordable housing scheme of central Government is all set to invite online applications through Common Service Centers. The ministry of Housing and Urban Poverty Alleviation has signed an MoU with CSC e-Governance Services India Limited, ministry of electronics and information technology to enable online applications for PMAY-U. […]

  74. umesh says:

    Hii sar m U.P.
    moradabad sy hu

  75. Sooraj Kumar says:

    Sar mai bahot garib hu mere pas rahane keliye makan nahi hai mujhe avash ki jarurat hai agar ap meri sahayata karte hai to ap ka bahot kripa hogi

  76. Rahul yadav says:

    Bhut acha Kam kr rhe ho Modi ji

  77. Kartik chaudhari says:

    हम मोदी जी के साथ मिलकर सभी सरकार की योजना आे को सोशियल मीडीया पे आेर गाव गाव तक पहुचा ने मे सरकार की मदद करेगे हम हमारे प्रधानमंत्री के साथ खडे रहेगै

  78. Paveen bano says:

    Hamare paas ghar nahi hai aur meri bhen ki shadi bhi nahi Ho parahi hai aap plzzzzzzz help me mere papa bhi nhi is duniya me humari help plzzzzzz 😅😅😅😅😅😅😅😅😂😂😂😂😂😅😂😅😂😅😂😂😅😂😂😅😂😂😅😂😅😢😢😢😢😂😂😂 aap ne acha kaam kiya hai desh ke liye to hamri madad bhi krrrdo plzzzzzzzzzzz

  79. karamjeet says:

    I WANT TO BUY ONE PLEASE HELP ME HOW I CAN GET ONE

  80. RAJU says:

    ise online kaise bharte hai

  81. RAJU says:

    ise online kaise bharte hai SIR PLZ SAHRE

  82. Gautam Kumar says:

    Please help me

  83. Gautam Kumar says:

    Please help me sir 9045790334

  84. gopal maity says:

    MARA KOI GHAR NAHI HAY MAY CRIYA PAY RAHATA HU MUJHA KOI CHOTA SA GHAR DA DO

  85. rajni says:

    Mera name rajni hai hum four sister hai abhi kese ki shadi nhi hue hai or meri sabse big sister jal gye hai hai or hamre papa ki abhi hi deth hue hai me up se gelong karti hun or papa ke exper hote hi mummy ko bhi hearttek a gya hai or hamre ghar me me or meri di hi kam kaerte hai or hamra koi help bhi nhi karta hai hamara ghar ka gujara bhi bohat mushkil se chalta hai me chahti hui ki apke hath jorkar kar binti hai mujhe peise nhi chahiye bus mujhe ek goverment nokari dedo meri colfication +2 hai hamare pass ghar bhi nhi hai hum chandigarh me rhate hai abhi keraye ke makan me to me apse vinti karti hun ki mujhe ek makan dedo me apki bohat abhari rhungi

  86. rajni says:

    mera name rajni hai plz plz modi ji me apki tarh banan chahti hun plz meri heip kro plz plz ye koi jhooth nhi hai such hai merie ghar ki kahani hai plz modi ji plz modi

  87. sangita koli says:

    Sangita koli aawas yojna apply

  88. SHARAD KUMAR SHARMA says:

    WANT A PLOT OR HOUSE. PLEASE TELL ME HOW I OBTAIN MY HOUSE IN THIS SCHEME

    Reply

  89. S.chauhan says:

    How much area will be provided through EWS and LIG scheme
    Slum dwellers will be provided home on there occupied area or they will be provided only sectioned area which are dicided by the gov

  90. mukesh rathod says:

    To mhuje bhi aawas dila ne me meri matht karo pizz pizzz

  91. HIMANSHU GUPTA says:

    HON. PM ji mujhe awas de dijiy gram pradhan ji hame awas ki list me naam nahi dete hain

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